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If you have an accident, will it hurt your
bank account too?
Unum’s accident insurance gives you
something to fall back on.
Benefits that pay for covered accidents while you are on
the road to recovery….
Unum’s coverage provides a lump sum benefit based on the
type of injury (or covered incident) you sustain or the type of
treatment you need.
Examples of covered injuries include:
Some covered expenses include
:
See the schedule of benefits for a full list of covered injuries
and expenses.
Get the coverage you need.
Choose the coverage that’s right for you. Your accident
insurance plan can provide benefits for covered accidents that
occur
off the job
. Accident insurance is offered to all eligible
employees who are actively at work. You decide if it’s right for
you and your family.
The following benefits are automatically included in your
plan:
Wellness Benefit
Based on the plan selected by your employer, this benefit can
pay $50 per calendar year per insured individual* if a covered
health screening test is performed, including:
There is an additional charge for this feature. A full list of
covered tests will be provided in your certificate.
Catastrophic Benefit
This pays an additional sum if a covered individual has a
serious injury—such as loss of sight, hearing or a limb.
Four reasons to buy this coverage at work:
1. No health questions to answer. If you apply, you
automatically receive this base plan.
2. This plan is portable. You may take the coverage with you
if you leave the company or retire without having to
answer new health questions. Unum will bill you directly.
3. Coverages becomes effective on the first day of the
month in which payroll deductions begin.
4. Premiums are conveniently deducted from your
paycheck.
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Broken bones
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Coma due to a covered injury
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Burns
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Eye injuries
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Torn ligaments
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Ruptured discs
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Cuts repaired by stitches
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Concussion
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Emergency room treatment
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Occupational therapy
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Outpatient surgery facility
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Speech therapy
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Doctor office visit
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Chiropractic visit
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Hospitalization
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Physical therapy
An illustrative example of how accident
coverage can help you with your expenses*
40-year-old claimant
Accident:
Fall at Home
Injury:
Broken toe and ACL tear
(knee ligament Injury)
Out-of-pocket expenses incurred:
$100 emergency room copay
$500 deductible
$875 coinsurance for surgery ($3,500 x 25%)
$90 copay for six physical therapy visits
Total out-of-pocket expenses: $1,565
Benefits paid:
$150 emergency room visit
$100 appliance (knee brace)
$150 fractured toe
$800 surgical ligament tear repair
$75 follow-up appointment
$150 for six physical therapy sessions
Total benefit paid under policy: $1,425
*Costs of treatment and benefit amounts may vary. Example
is based on the level 2 schedule of benefits.
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Blood tests
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Chest X-rays
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Stress tests
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Mammograms
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Colonoscopies
Available family coverage—Who can have it?
Spouse Coverage
Ages 17 to 64
Child Coverage
Dependent children newborn until their 26th
birthday, regardless of marital or student
status.